Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$118,158Cash toward the purchase price.
Closing costs + prepaids$23,710Not just lender fees.
Before credits & paid funds$141,868The complete starting cash picture.
Estimated remaining funds due at closing
$141,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,158.05
Your down payment$118,158.05
Closing costs + prepaids$23,710.20
Total buyer cash needed$141,868.25
Remaining funds due$141,868.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$8,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,784.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,091.25
Prepaid interest, first (28 days)$3,866.74
Fees + prepaids$23,710.20
Your down payment is the seller’s equity. You take over the $756,842 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $141,868.25 is due at closing. Uses and sources reconcile at $898,710.20 each. Not a Closing Disclosure.